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Osteoarthritis Life Insurance

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Osteoarthritis Life Insurance, Critical Illness Cover And Income Protection

We are a top insurance expert for people who are classed as higher risk or non-standard by underwriters because of their medical history, such as Osteoarthritis life insurance, critical illness cover and income protection.

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For most people with a pre-existing medical condition, it can seem daunting to look at the process of applying for life insurance and other types of personal protection because of the potential questions that may be asked as well as the possibilities of decline or paying more than you have to. Osteoarthritis life insurance, critical illness cover or income protection are no different and there are still areas that may cause issues, especially income protection policies.

Potential joints affected by Osteoarthritis:

  • Osteoarthritis of the hand
  • Osteoarthritis of the hip
  • Osteoarthritis of the knee

Possible symptoms of Osteoarthritis include:

  • Tender joints
  • Increased stiffness and joint pain
  • Inflamed joints
  • Limited movement
  • Weakness and loss of strength

How Osteoarthritis life insurance, critical illness cover and income protection works

There are a number of possible outcomes when insurance underwriters are reviewing an application for Osteoarthritis life insurance, critical illness cover or income protection and the main areas of concern will be:
  • Date of diagnosis
  • Any family history of Osteoarthritis
  • Limbs/joints affected
  • Treatment or medication
  • Any surgery or hospitalisation
If you need help with your application for Osteoarthritis life insurance, critical illness cover and income protection, or if you simply need a quote for cover then you should contact one of our team of experts for free advice.
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Osteoarthritis Life Insurance

Generally there are no real issues with being able to get Osteoarthritis life insurance because this type of condition is not classed a high risk factor for this type of cover. The vast majority of applications we see for Osteoarthritis life insurance are offered without the need for any additional medical evidence and will be offered at the same rate as someone with no pre-existing medical conditions.

The main factors which can impact any premiums for Osteoarthritis life insurance are:

  • Severity of your symptoms
  • Any other pre-existing medical conditions
  • Your general level of health and lifestyle
  • Height and weight
  • Smoker status

In some cases where there are other health/medical factors to consider for cover or if you have very severe symptoms then there may be some impact on the premiums you will pay for Osteoarthritis life insurance.

Osteoarthritis Critical Illness Cover

It can be slightly more difficult to get Osteoarthritis critical illness cover than life insurance because of the potential additional risks to health and lifestyle so you will find that this kind of application may require additional information. If your condition is not severe and your symptoms are mild then you should find that Osteoarthritis critical illness cover will be available at the same rate as someone with no medical history with no exclusions.

For someone with more severe symptoms or if there are outstanding investigations for example, you may find that your application for Osteoarthritis critical illness cover could require you to provide medical evidence from your GP. For someone with more severe symptoms there is a possibility that your Osteoarthritis critical illness cover premiums could be higher to reflect the increased levels of risk. You should also be aware that your Total and Permanent Disability benefit would be excluded from your policy.

Osteoarthritis Income Protection

You may find it slightly more difficult to get Osteoarthritis income protection due to the potential additional risks relating to this type of condition for having time off work due to sickness. In most cases where the symptoms are mild and the condition is managed with medication you should find that there will be no major issues in being able to get an offer for Osteoarthritis income protection with no increase to premiums.

If you have had time off work in recent years due to your condition or if your symptoms are more severe then you may find that your premiums for Osteoarthritis income protection could increase to reflect the increased risks. In some cases you may also be offered cover with exclusions relating to your condition depending on which areas are affected.

Case Studies

  • Client: Female
  • Age: 51
  • Smoker status: Non-smoker
  • Medical condition: Palindromic rheumatism
  • Cover date: 15th August 2019
  • Product type: Level life insurance & Accident & Sickness Cover
  • Cover amount: £75,000 Life Insurance and £1,000 Accident & Sickness Cover
  • Cover term: 25 years
  • Premium: £28.19 and £55.88

We were approached by this lady on the 12th August 2019, when she called in to enquire about what life insurance we could find for her. Our advisor Mark S answered the call and discussed her life insurance needs and pre-existing medical conditions. At this point she explained that she was looking for life insurance and income protection and that she suffers from mild palindromic rheumatism which she takes medication for. Our advisor Sam P then got in touch with her to secure her income protection. He was able to secure Accident & Sickness Cover with one of our specialist providers for £55.88 a month. Mark S then secured her £75,000 of life insurance over 25 years for £28.19 per month. Both of these outcomes are an extremely positive result as palindromic rheumatism can be difficult to secure cover for, especially Income Protection, due to the possible flare ups that the illness causes. Furthemore, the lady was overjoyed that we were able to secure her the cover that she needed within her budget.

As a whole, this is a great outcome as the lady secured herself the cover that she needed for a price that she can afford. As well, we managed to secure the lady cover that she previously could not find on her own and the premiums that we found her are extremely good, especially when considering her medical history.

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If you need help or advice for your Osteoarthritis life insurance, critical illness cover and income protection or a free quote then you should contact one of our team of experts on 0800 083 2829.
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